Hello
I’m requesting $20,000 so I can pay off my credit cards, and a loan on my 401k .
I’ve looked for loans however the monthly payments are too high.
The program I’m in now will erase all my credit cards through a law firm , the problem is they want to dispute my creditor’s and I don’t make any payments this will put my accounts in default and in collections dropping my credit score even more than it is now.
The only reason I got so behind was to help my mom after she had lost her husband, at that point I was working knights which pays more at my place of work, walking to work 45 mins got tiresome quickly so I moved closer to work a 20 min walk or less. Then transferring to the day shit for health reasons lowered my pay. And the rent too the new place kept me from paying off credit cards, while making minimum payment are keeping all accounts in good standards, I made the mistake of getting to many cards too many payments and now can’t afford all payments and bills and rent.
My primary goal is to pay off all creditors keeping accounts in good standards bring my credit score back up to 700 points and stop using the cards on a regular basis, the idea of getting more cards was to capitalize on the overall amount on the cards but this has been a fullish financial decision but a lessons learned the hard way.
This program Im in is not a good idea but hopefully only temporary solution, tell I can find the funds needed to get me out of the mess I created.
I have tried to advance at work for a pay raise but this can not happen because of my mental condition which effects the memory and recall, I have had to deal with this since the age of 3 when missed diagnosed slowing down the brain activity during growth, I’m now 45 of age and learned to adapt. I have not cashed in on any of the benefits I’ve been told I should be getting during the testing and diagnosed with a type of dementia. This has also kept me from driving, so finding a better paying job is limited to distance.
I am able to work full time at Walmart, 10 years now, very few coworkers know about this disability, IV been able to shield it from others,
I’m still looking forward to doing the work I’ve been trained for in apartment maintenance however that was a long time ago in a different state and a lot has changed over the years in that field of work.
If you decide I am worthy of any assistance. I will use it wisely and keep to my promise as it is written in this letter.
Thanks for your time.